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For the third year, employers who sponsor an insured group health plan may be receiving a Medical Loss Ratio (MLR) rebate from their insurers. Self-funded medical benefit plans are not subject to these requirements. The rebates raise several fundamental questions for employers including:

• How much (if any) of the rebate must be distributed to plan participants?
• How quickly must I distribute the participants’ share?
• What options do I have in distributing the employees’ share?
• What are the tax consequences of the various distribution options that are available?

International coverage for P&C related risks is largely about ensuring regulatory compliance, assuming the appropriate coverage is included in a master or global insurance program.

Healthcare costs continue to be one of the largest expenses for companies. Their fully-insured medical carrier provides limited information about what’s driving up program premiums. They provide no effective cost control strategies and no real opportunity to fully benefit from their employees’ positive claims experience and wellness activities.